Flexible payment plans, helping you spread the cost of your insurance
Annual and short term taxi insurance policies available
Receive an Introductory Discount for proven private car driving experience with a No Claims Bonus
We’ll keep you on the road and working with a replacement (licenced and plated) taxi in the event of a non-fault accident (Terms may apply, speak to one of our team members to find out more)
No Claims Bonus Protection
Upgrade your cover with Bolt-ons
Our bolt-ons are designed to keep you out on the road and working – Choose which ones to add to your policy for complete peace of mind.
Taxi Breakdown Cover – Roadside & Homestart
Guaranteed Replacement Taxi (Terms may apply, speak to one of our team members to find out more)
Legal Expense Cover
All Glass Cover
Extended Public Liability Insurance
Why do I need taxi insurance?
If you intend to drive a motor vehicle to carry passengers in exchange for a contracted fee or metered fare you need a commercial taxi insurance policy, also called hire and reward insurance, which covers you for “the carriage of passengers for hire and reward”.
There are different types of taxi insurance available depending on how you conduct your business. Speak to one of our team members to find out what type of taxi insurance is right for you.
Insuring your taxi for use on the road is a legal requirement in the UK and having continuous hire and reward cover is a requirement of your local authority if you are operating as a licensed private or public hire driver. Taxi insurance is designed to protect you, your car and most importantly your customers in the event of an accident.
A typical comprehensive taxi insurance policy will cover you for :
Third party cover – covering death or injury to a person or any damage to their property or person, this includes cover for passengers in your vehicle
Loss or damage to your vehicle due to accidental damage, fire or theft – to either repair the damage, replace parts or pay for the value of your vehicle
Damage to your windscreen or other glass – which may be repaired or replaced
Cover for your audio, communication and metering equipment when caused by accident, fire or theft
Cover for personal belongings when caused by accident, fire or theft
There are many optional additional covers available, so speak to us on 0345 456 4444 for more details.
This depends on the type of taxi driver you are and your local authority licence.
If you are licenced solely for Private Hire, your taxi must be booked in advance through a base office or via a mobile ride hailing app such as Uber.
Public hire taxis can pick people up from a designated taxi rank or by being hailed on the street without being pre-booked. Generally Public Hire taxis, also known as Hackney Carriages will have a lit taxi sign when “for hire” and will display their plates on the rear of the vehicle.
Some authorities offer dual licences so you can do both Private and Public Hire business.
We can offer the following options for your hire and reward taxi insurance policy:
Comprehensive – This is the widest form of cover. It covers you for accidental damage to your vehicle, loss of or damage to your vehicle as a result of fire or theft and your legal liability for motor accidents caused by you, including injuries to other people and damage to property.
Third Party Fire and Theft – This covers damage to, or loss of your vehicle as a result of fire or theft and cover for your legal liability for motor accidents caused by you, including injuries to other people and damage to property. There is no cover for your vehicle in respect of accidental damage.
Third Party Only – This is the minimum level of cover to drive your taxi. It covers your legal liability for motor accidents caused by you, including injuries to other people and damage to property. It does not provide any cover for damage to, or loss of your vehicle.
We can provide immediate cover and get you on the road right away. To get started just click the ‘Get My Quote’ button, all we need is your contact information, a few details about your vehicle and the type of cover you are looking for. Alternatively, if you would like to discuss the type of cover you think you might need, please get in touch with one of our team members on 0345 456 4444.
You can make a payment by credit or debit card, bank transfer or we can offer finance options with an initial payment and attractive monthly repayments.
Yes, your partner can be insured on your taxi at an additional premium, but first make sure your licensing authority allows this or that your partner is a licensed private or public hire driver. If they are not, they may be unable to drive your vehicle.
Your key documents, including insurance certificate, schedule and policy document will be sent to you by email within minutes. If you do not receive anything from us within 24 hours, then please give us a call and we will resend them.
We know your vehicle is your livelihood and understand how important it is to keep you on the road and working – Our Bolt-ons insurance policies are designed with you in mind, choose which ones to add to your policy: Taxi Breakdown, Replacement Vehicle, Legal Expenses, Full Glass Cover and Extended Public Liability.
We want to support our customers by enabling them to work and support the communities that they live in. Please speak to one of our team members about fast food delivery cover for new and existing taxi drivers, including Uber Eats.
Most taxi insurers only allow no claims bonus earned driving a taxi to be used on a taxi policy. However, we can offer introductory discounts for private car no claims bonus. Please call us on 0345 456 4444 to discuss with one of our team members.
Need to report a claim?
No one likes to think about having a motoring accident or incident, but unfortunately, they do happen – Here’s some helpful tips on what to do if you’re involved in one:
Move to a safe place
Call the emergency services if anyone is injured
If safe to do so, take photos with your smartphone of the scene and the vehicles involved
Exchange your contact, insurance and vehicle details with all other parties
Take contact details of any independent witnesses
Do not admit liability
Call our 24/7 claims line on 0345 184 9999 as soon possible, then we’ll do the rest
At CoverMy Cab, we’ll help you every step of the way. Find out more information on making a claim.
Request a callback
Cover your Cab today
We much prefer to speak to our customers so call us for a quotation on 0345 456 4444, our phone lines are open Monday-Friday from 9am-5.30pm and Saturday 9am-2pm. Alternatively you can quote and buy your hire and reward insurance policy online.